Rayville, MO
How exposed is Rayville to wildfire?
Rayville sits at the 70th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 137 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rayville's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Rayville: 82.5% of its 137 buildings, versus 17.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Rayville compares
Rayville's risk sits at a similar level relative to Missouri (82nd percentile statewide) as it does nationally (70th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Rayville ranks 9,584 for wildfire risk (1 is highest) and 27,405 by building count (1 is largest). Within Missouri alone, it ranks 197 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
Rayville's high rating (70th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With 82.5% of Rayville in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Rayville's figures come from
Every one of the two percentiles behind Rayville's 9,584-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Rayville's dominant direct exposure actually means, with real examples from across the dataset.